Descripción del puesto
Head of the Financial Management (Openbank)
Country: Spain
Join Openbank the 100% digital bank of the Santander Group, where innovation meets opportunity! With over 2 million customers across Spain, Germany, the Netherlands, Portugal, we're leading the way in digital banking. From loans and mortgages to a cutting-edge, fully automated investment platform, our products are transforming the industry.
At Openbank, we pride ourselves on simplicity, agility, and security, earning us the title of the most recommended Spanish bank among our customers. And we're not stopping there! As we expand internationally, with plans to launch in Mexico and the United States, there's never been a more exciting time to join our team.
If you're passionate about digital innovation, eager to make an impact, and ready to be part of a dynamic and forward-thinking company, then we want to hear from you! Join us and be part of our journey to redefine banking for the digital age!
Mission:
The Head of the Asset and Liability Management (ALM) is a senior executive role responsible for overseeing all aspects of the ALM function within the Bank. This includes managing the balance sheet, optimizing the risk-return profile, ensuring regulatory compliance, and implementing strategic initiatives to enhance financial performance. The ideal candidate will possess extensive experience in financial risk management and deep knowledge of ALM principles.
Responsibilities:
- Balance Sheet Management: Oversee and manage the bank's balance sheet, ensuring optimal asset-liability matching to mitigate risks and enhance profitability.
- Structural Risk Management: In collaboration with Market Risk department, Identify, assess, and manage financial risks related to interest rates, liquidity, and capital adequacy. Implement strategies to mitigate these risks effectively.
- Pricing and profitability overview: Analysis and validation of commercial products pricing proposals, optimizing the risk-return profile. Maintenance of current Openbank's financial planning tool and of the transfer pricing policies.
- Regulatory Compliance: Ensure compliance with all relevant regulatory requirements, including Basel III/IV, IFRS, and other local and international standards.
- Liquidity Management: Monitor and manage the company's liquidity position, ensuring sufficient liquidity to meet short-term and long-term obligations.
- Capital Management: Develop and implement strategies for capital optimization, ensuring adequate capital levels to support business growth and regulatory requirements.
- ALM Modelling and Analytics: Utilize advanced ALM modeling techniques to e and analytics to support decision-making and strategic planning.
- Stakeholder and ALCO Engagement: Collaborate with key stakeholders, including senior management, regulators, auditors, and external partners, to ensure alignment and effective communication.
- Reporting: Provide regular reports and presentations to the board of directors, senior management, and other stakeholders on ALM activities, risk exposures, and financial performance.
To be successful in the role you must have:
- Education: A bachelor's degree in finance, economics, accounting, or a related field is required. A master's degree or professional certification (e.g., CFA, FRM) is nice to have.
- Experience: A minimum of 7 years of experience in asset and liability management, treasury, risk management, or a related field.
- Technical Skills: Proficiency in ALM modelling, financial analysis, and risk management tools. Strong understanding of regulatory requirements and industry best practices. Financial Planning and Business intelligence tools would be desirable.
- Analytical Skills: Strong analytical and problem-solving abilities, with a keen attention to detail.
- B2 or similar English level.
- Able to work as a team, communicating and sharing findings with team members.
- Highly motivated candidate with sound judgment, able to handle confidential information, integrity, and a solid work
What do we offer?
- Immediate incorporation to a dynamic and agile company with a growth and expansion project.
- Working in start-up mode with the support of Grupo Santander.
- Competitive remuneration and attractive benefits package.
- Possibility of growth within the company and the Group.
- Collaboration in international projects and possibility of contact with different countries.
- Excellent work environment, social clubs and frequent events.
Would you like to grow with us? Join our team!
Openbank is an equal opportunity employer. All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status.
We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify and build.
If you´re not currently living in Madrid or Valencia and you are open to relocate yourself, we would still love to consider your application
The personal data you provide as well as any data generated during the selection process are confidential and will be processed by Open Bank, S.A./ Open Digital Services, S.L. with registered office at Plaza de Santa Bárbara 2, 28004 (Madrid), for the sole purpose of managing your participation in the selection processes and, where appropriate, to formalise your recruitment.
For further information about your rights and data protection, please read the ODS/Openbank Privacy Policy applicable to this type of data processing here.
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Información adicional
Idiomas
- Spanish
Requisitos
Experiencia Sin experiencia
Nivel de estudios Básica Secundaria
Sobre la empresa
Openbank
Sede
Boadilla del Monte, Madrid, Spain
Empleados
>500